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Guidance please!!!

Established Member

Guidance please!!!

I'm really confused about what to do about some accounts.


Under Collections

I have Atmos Energy reporting an unpaid balance that was paid back in 10/2008.  This listing irks me because I terminated services in Feb 2007. Paid balance and received refund from deposit. I pulled my CR in Oct/2008 and noticed they had a collection. I called them and and they explained that this was from a super old bill they merged with my account. I never received a bill for this and I'm just aggravated over this being on there. I've written a letter to them, stating that I paid it immediatly after finding out about it in 10/2008 and its June 2009. They are still reporting it as unpaid and I'd like a goodwill adjustment and have it removed.  

-What else can I do?



Under Collections


I have 3 old checks, that are paid and updated as paid. I emailed the company and asked them to delete the tradelines as a goodwill adjustment. They responded with a letter back and saying that they notified the CRA's to delete the tradelines in 10/2008 and none of them have done so. HOW do I resolve this?


Under Collections



DOFD: 10/2002

Balance Date: 5/2009

Date Assigned: 12/2004

Date Reported: 5/2009


I disputed this information back in 10/2008 and it still says "consumer disputes this information"

Should I DV? Shouldn't it fall off in 10/2009?




from an old AT&T account - my ex & i had together

its SO old that even AT&T couldnt pull up my record

DOFD: 2/2005

Date Reported: 10/2008




Message 1 of 2
Valued Contributor

Re: Guidance please!!!

Dispute all of these accounts with credit bureau. Provide all the proof that you can to validate your position on why these accounts should be changed or deleted.
Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
Message 2 of 2